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Convenience Retail AsiaCVRAF 53 Debt-to-EBITDA is 3.69 as of Dec. 2025, which is 297% above its 10-year median of 0.93. GuruFocus rates CVRAF with a GF Score™ of 53/100 and a GF Value™ of $1.00. The stock has 4 warning signs investors should review. Among 257 Retail - Defensive companies, Convenience Retail Asia ranks worse than 74.71% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Convenience Retail Asia's Debt-to-EBITDA or its related term are showing as below:
CVRAF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.82 Med: 0.93 Max: 4.07
Current: 4.07
During the past 13 years, the highest Debt-to-EBITDA Ratio of Convenience Retail Asia was 4.07. The lowest was 0.82. And the median was 0.93.
CVRAF's Debt-to-EBITDA is ranked worse than 74.71% of 257
companies
in the Retail - Defensive industry
Industry Median: 2.21
vs CVRAF: 4.07
Convenience Retail Asia (OTCPK:CVRAF) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Convenience Retail Asia Debt-to-EBITDA Related Terms
Convenience Retail Asia Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Grocery Stores subindustry, Convenience Retail Asia's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Convenience Retail Asia Debt-to-EBITDA vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, Convenience Retail Asia's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Convenience Retail Asia's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Convenience Retail Asia (CVRAF) has a Debt-to-EBITDA of 3.69 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Convenience Retail Asia. This is 297% above median its historical median of 0.93. Over the past decade, Convenience Retail Asia's Debt-to-EBITDA has ranged from 0.82 to 4.07. According to the industry distribution chart, Convenience Retail Asia ranks #192 out of 257 companies in the Retail - Defensive industry, placing it in the top 74.7%.
Is Convenience Retail Asia's Debt-to-EBITDA too high?
Convenience Retail Asia's current Debt-to-EBITDA of 3.69 is 297% above median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.82 to a high of 4.07. The Retail - Defensive industry median Debt-to-EBITDA is 2.21. Convenience Retail Asia's value of 3.69 is 67% above this industry median. Based on the distribution chart, Convenience Retail Asia ranks #192 out of 257 companies in the Retail - Defensive industry, which is below the industry midpoint. Overall, Convenience Retail Asia has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Convenience Retail Asia's Debt-to-EBITDA compare to KR?
According to the Retail - Defensive industry distribution chart, Convenience Retail Asia ranks #192 out of 257 companies for Debt-to-EBITDA. This places Convenience Retail Asia in the lower half of its industry. The industry median Debt-to-EBITDA is 2.21. Convenience Retail Asia's value of 3.69 is 67% above this benchmark. Historically, Convenience Retail Asia's own Debt-to-EBITDA has ranged from 0.82 to 4.07 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 2.21, Convenience Retail Asia has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Retail - Defensive company?
The median Debt-to-EBITDA among Retail - Defensive companies is 2.21, based on 257 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Convenience Retail Asia's current Debt-to-EBITDA of 3.69 is 67% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Convenience Retail Asia. For the Retail - Defensive industry, the median Debt-to-EBITDA is 2.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Convenience Retail Asia's current Debt-to-EBITDA is 3.69, which is 297% above median its own 10-year median of 0.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Convenience Retail Asia stock overvalued right now?
Convenience Retail Asia (CVRAF) has a current Debt-to-EBITDA of 3.69. The stock's GF Value™ is $1.00, compared to a current price of $0.66 — trading 34% below its estimated fair value. The current Debt-to-EBITDA is 3.69, which is 297% above median its 10-year median of 0.93 and 67% above the Retail - Defensive industry median of 2.21. Convenience Retail Asia's overall GF Score™ is 53/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Convenience Retail Asia (CVRAF), the current Debt-to-EBITDA is 3.69 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Convenience Retail Asia (CVRAF) Overvalued in 2026?
Based on GuruFocus' analysis, Convenience Retail Asia stock appears to be undervalued.
The current stock price of $0.66 is trading 34% below its estimated GF Value™ of $1.00.
Key valuation signals for CVRAF:
Debt-to-EBITDA: 3.69 (297% above median its 10-year median of 0.93)
GF Value™: $1.00 vs. price of $0.66 (34% below fair value)
Industry Position: 67% above the Retail - Defensive median (#192 of 257)
No single metric tells the full story. See the CVRAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Convenience Retail Asia Ltd is an investment holding company. Along with its subsidiaries, it is principally engaged in the operation of chains of bakeries and eyewear businesses. The group operates in two segments, namely, Bakery and Eyewear. The majority of its revenue comes from the Bakery segment, which comprises the sale of bakery and festival products under the brand names of Saint Honore and Mon cher. The Eyewear business segment includes the sale of eyewear products under the brand name of Zoff.
53GF Score
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